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High Limit Credit Cards

High Limit Credit Cards

What are the most suitable high limit credit cards in the UK, in 2021?

High limit credit cards are often defined as those 0% credit cards, which offer new customers, a higher credit limit.

Many UK customers, when they first apply for their new credit card, would like to get an initial high credit limit.

Customers are usually looking for credit cards with high limits, for one of the following two reasons:-

  • You have a large outstanding balance on your current credit card and would like to make a balance transfer to a new credit card. This will allow you to benefit from any 0% introductory offer on balance transfers.
  • You would like to make one, or more, higher value purchases, using this new credit card. This will allow you to benefit from any 0% introductory offer on purchases.

In both of the above cases, the credit card customer will need to be given a higher credit card limit. A large credit card limit allows a customer to make a larger purchase, or make a bigger balance transfer using their card.

Highest Credit Card Limit UK

Many customers are looking for a new 0% credit card with the highest credit card limit in the UK. Customers are more likely to be successful in obtaining these high limit credit cards if they have:-

  • An excellent credit history
  • No recent bad debt problems
  • No recent missed or late payments
  • A low level of overall debt, excluding any mortgage they may have
  • An annual income of around £20,000 or more

Many of the banks and credit card companies will look for a customer to meet all of the above criteria, before providing high credit limit credit cards to new customers.

There are more than 50 UK 0% credit cards currently available online. What are the most suitable cards for customers looking for high limit credit cards?

The credit card companies have generally tended to be more cautious with their lending, ever since the banking crisis, back in 2008. This has meant that, for many customers, initial credit card limits have tended to be lower than in the years before the banking crisis began.

With the current Coronavirus crisis now, the credit card companies are now more likely to be more cautious with their lending. The card acceptance rates for customers, as well as credit limits, are now both likely to be lower.

However, we have often seen that some credit card companies can still be more generous with their credit limits, than certain other card companies.

All of the following featured credit cards, in our experience, are most likely to be suitable for customers looking for UK high limit credit cards:-


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0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Credit Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
More Information
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for up to 15 months
Balance Transfer Fee:
1.45%
Purchases:
0% for up to 15 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Purchase Credit Card
  • 0% interest for up to the first 15 months on balances transferred within first 90 days
  • 1.45% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 15 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase Credit Card
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

Credit Cards With High Limits

Customers are more likely to be accepted for any of the above high credit limit credit cards when they can successfully meet all of the application criteria that the credit card company is looking for.

Are you a customer looking to apply for any of the highest credit card limit cards? Then, it is important that you take extra care with the online application forms.

Any mistakes that you make on the application form, are more likely to lead to your application being declined. This failure, may then in turn further reduce your prospects of successfully applying for other 0% credit cards with high limits.

More 0% credit cards in the UK are currently issued as MasterCard credit cards, than as Visa credit cards. High limit credit cards, for example a credit card with a £5000 limit or higher, are available as both Visa and MasterCard issued credit cards. The choice of payment network makes no difference to the credit limit.

The above UK featured credit cards are higher limit cards which do not charge a customer any annual fee.

What Is The Highest Credit Card Limit You Can Get?

We often see customers looking for answers about the highest credit card card limit you can get in the UK.

Credit cards with high limits are not as common in the UK credit card market,as they once were. However,, they do still happen.

We have seen people given a £10000 credit card limit when applying for a new credit card. A credit card with a £20000 limit is also possible for a few UK customers, who have very high annual incomes. However a large credit card limit like this, is usually quite rare in today’s market.

The average credit card limit for one of the largest UK credit card company’s is currently, a rather lower figure of just £4000.

Your actual credit limit is decided by the credit card company. The limit is based only on their lending criteria and the information provided by you on the application form. This is then combined with the information held, by a credit reference agency.


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Published: April 23, 2021, Updated: April 23, 2021 by 0% Credit Card Expert

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